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anonuser1749

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  1. Just an update, I have been exchanging email back and forth but they have only advised us to get in contact with step change to figure a budget and pay the debt off. My mum is insisting that we dispute the debt but I don't know how to do that. Is there any guide?
  2. Also I believe there was no personal injuries as the lady was well enough to run out her car and take my mums keys from her... When we told the police this they did nothing about it.
  3. Hello, The other car had 3 passengers including the driver so I don't know if 20k is reasonable or not. I'm going to be asking for a breakdown and see the details of the accident just in case the other side claimed more. Also, what do you mean by a PI claim ?
  4. Hello, Thank you for your reply, I will take your advice on as the last thing I want is to end up in court. I guess I have to remain in contact and sort this out before anything. Really hope they won't be as difficult.
  5. Thank you for this, its very useful. I'm guessing this concludes the reason why they refused indemnity and want us to pay for the damage. Is there any chance that we could reduce it? Or any ideas how long a pay back plan could be... we really don't have the money especially now during covid. Yes, I heard there was an amnesty on MOTs but it was only for after 30th March which was way after the accident.
  6. Hello, Thank you for your reply. I initially thought of looking at the T&Cs too but unfortunately my mum threw all of letters related to the previous insurance company assuming everything was sorted out. I know a stupid mistake but I will be emailing them to ask for a copy of all of our data with them. Hopefully, the insurance company is willing to treat this case fairly although it may be difficult.
  7. Hello, Thank you for your reply. We don't have the exact letter but we have the e-mail they sent us after we scanned the MOT to them. Once, we sent the MOT they stated this "Thank you for sending this, your policy will continue to run." Also, when I told them about the accident and the MOT on the day of the accident they did not mention anything about it and just told me to send a scan of the new MOT. Which is why I assumed it was sorted out. Also, we got the MOT 5 days after the accident. The previous MOTs and the MOT after the accident show that there was nothing wrong with the car that lead to the accident. It was mainly due to other parked cars blocking my mums view which is why she inched forward and the collision occurred. Also, is it possible to ask them for the previous letters and emails they sent ? Because, I haven't got any of them...
  8. Hello, Thank you for your reply. I assumed that it was the expired MOT that resulted in this but at the time when they asked about the MOT they said that the insurance policy will run. So I thought it wasn't a problem... I am going in and will remain in contact with them and ask for a breakdown of what the cost is just to make sure the other side isn't claiming more. If that's possible to check. Someone living nearby did state that accidents like this always occur in that area and they were complaining about it to the council and police. Would this be any use in lowering the sum? Apologies for many questions.
  9. January 2020: Mum hit car from the side, when trying to drive from side road to main road, which also hit another stationary car. Police was involved, complete mess. Reported it on the day to the insurance. Provided them with both video of the accident (taken from a nearby houses CCTV, we don't know them) and picture of the damage on our car. Noticed MOT expired few weeks before accident. Emailed insurance about it, they asked for new MOT certificate, so gave it in 5 days provided. Insurance stated policy would continue running. Assumed everything was sorted because no contact from Insurance. December 2020 - Now Insurance sent email in December asking for approx. £20K reimbursement Didn't notice the email as it's an old email. Didn't contact using a different method. Got another email this week asking for it to be paid in 7 days, stated reason was indemnity refused. Emailed them to ask why indemnity was refused. Insurance = Somerset Bridge Limited on behalf of Watford Insurance Company Europe Limited. Also, I have evidence of all the videos and pictures I sent them as well as email exchanges regarding the MOT. We really can't afford paying this fee and find it unfair. What would you advice? All help is welcome and needed Thank you
  10. Hello, My mum got into an accident earlier in 2020, I am trying to solve this for her as she isn't able to. Recently I noticed that they sent an email stating that we have to pay 20 grand as indemnity was refused. I don't understand why they have decided to claim this a year after the accident when from what I know it was sorted out (?). I emailed them to ask why they indemnity was refused but I don't even understand what is meant by that. Please help. I don't know how to resolve this situation. Shall I get an insurance lawyer involved ? Shall I include more detail?
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